this happened to me. called SBTPG at exactly 5am Pacific when they open and got through after only 15 mins wait. they told me there was an error with my bank info and fixed it. got my refund 2 days later.

This is super frustrating but unfortunately pretty common with SBTPG. A few things to check: 1) Make sure your bank account info in TurboTax is 100% correct - even one wrong digit will cause delays, 2) Try calling SBTPG at exactly 8am ET when they open for the shortest wait times, 3) Check your IRS transcript online to see if there are any error codes that might explain the delay. The fact that there's no trace number usually means it's stuck in their processing queue rather than actually being sent to your bank. Most people see their money within 7-10 business days even with these delays, so hang in there! Also definitely pay TurboTax fees upfront next year to avoid SBTPG entirely.

I'm dealing with a similar situation right now! Based on all these responses, it sounds like there are really three main paths: 1) Use a specialized service like taxr.ai that can extract data from your original return PDF and auto-generate the 1040X, 2) Re-enter everything in commercial tax software that supports amendments (like TaxAct), or 3) Fill out the paper forms and mail them in. Given that you only need to add interest income, the automated extraction approach seems most efficient - especially since you already have your accepted return as a PDF. The time investment looks much better than re-entering everything or waiting months for paper processing. Has anyone else used similar automated services for simple amendments like this?

As a tax preparer, I can add some insight to this discussion. For simple amendments like adding missed interest income, the automated extraction services mentioned (like taxr.ai) do handle the cascading calculations properly - when you add interest income, the system will recalculate your AGI, taxable income, and tax liability automatically, just like professional tax software would. Regarding the explanation section on Form 1040X, most of these services do auto-populate basic explanations based on the changes detected. For example, if you're adding a 1099-INT, it might automatically write "Adding previously unreported interest income from [Financial Institution]" in the explanation field, though you can usually customize this. One important tip: make sure you have your original return's AGI handy when using any method, as the IRS uses this to verify your identity during electronic filing. Also, if the missed interest income is substantial enough to trigger additional tax owed, you'll want to include payment to avoid interest and penalties from the original due date. The electronic route is definitely worth the effort over mailing - paper amendments are taking 16-20 weeks to process currently versus 8-12 weeks for electronic submissions.

I had a similar situation a few years back with a temp job that lasted only three days. The key thing to remember is that even though the amounts seem tiny, the IRS computer systems will automatically flag any discrepancies between what employers report and what you file. Here's what I'd suggest: First, try logging into those employers' payroll systems online if you still have access - many companies use ADP, Paychex, or similar services where you can download your W2 electronically even after leaving. If that doesn't work, you have until the end of February to receive them by mail before you can take action. If you still don't have them by then, definitely file Form 4852 as others mentioned. The most important thing is to be as accurate as possible with your estimates. Even if you're off by a few dollars, showing good faith effort to report the income properly is what matters to the IRS. One last tip - keep records of all your attempts to get the W2s (emails, phone calls, etc.) in case you ever need to show you made reasonable efforts to obtain the proper documentation.

Just to add another perspective - I work in payroll and can confirm that employers are legally required to send W2s by January 31st, regardless of how small the amount. If you worked even one day and were paid as a W2 employee (not 1099), you should receive one. That said, small disorganized companies sometimes mess this up. If you don't receive them by early February, definitely start the process others mentioned - contact the employer first, then the IRS if needed. One thing to keep in mind: even though the income amounts are tiny, if these employers withheld ANY federal taxes from your paychecks (which they might have done automatically), you're essentially giving the government free money by not claiming those refunds. For such small amounts, you probably had more withheld than you actually owe in taxes, so you'd likely get it all back. The good news is that filing Form 4852 is pretty straightforward if it comes to that, and the IRS is generally understanding about situations where employers fail to provide required documents.

Quick question - does anyone know if workers comp affects how much I can contribute to my IRA? Since it's not "earned income" I'm wondering if I can only use my regular job income to calculate my max contribution?

Just to add another perspective - I dealt with workers comp last year too and want to emphasize something important that might get overlooked. Even though workers comp isn't taxable, if you had any settlement or lump sum payment that included interest or punitive damages, THOSE portions might be taxable. Most basic workers comp payments for medical expenses and wage replacement are non-taxable, but if there was any legal settlement involved, make sure you get a breakdown of what each portion covers. I almost missed this detail and it could have caused issues later. Also, if you're in a state that has its own workers comp tax (which is rare but exists), that's separate from federal taxes. The IRS rules about non-taxable status still apply for your federal return regardless of state rules.

I'm in the exact same situation! Filed April 3rd, accepted April 4th, WMR shows deposit by May 20th but still nothing in my Chime account as of today (May 24th). I've been checking my app probably 50 times a day - it's driving me insane! After reading through all these comments, I'm starting to realize this might not be a Chime issue at all. Sounds like there are hidden holds and reviews happening that the Where's My Refund tool just doesn't tell us about, which is honestly infuriating. How are we supposed to manage our finances when the IRS can't even give us accurate information about our own money? I claimed the Child Tax Credit too, so maybe that's what's causing the delay like someone mentioned. I'm definitely going to try that taxr.ai site tonight to see if there are any codes on my transcript that explain what's actually happening. If that doesn't work, I might have to try one of those calling services to get through to a real person. It's so frustrating because Chime is usually lightning fast with deposits, but we're all stuck waiting because of IRS processing issues. Thanks for posting this - it really helps to know I'm not alone in this mess! Hopefully we'll all get our refunds soon. The stress of waiting for money you're counting on is unreal.

I'm in almost the exact same situation! Filed April 7th, accepted the next day, WMR shows deposit by May 22nd to my Chime account, but still nothing as of today. I've been checking my account every few hours too - it's so stressful when you're depending on that money to catch up on bills. Reading through all these comments has been really helpful though. It sounds like there are often hidden holds or reviews that don't show up on the Where's My Refund tool, which honestly seems crazy. We shouldn't have to become detectives just to find out what's happening with our own refunds! I also claimed Child Tax Credit for my kids, so that might be causing additional review time like someone mentioned. I'm definitely going to try that taxr.ai site tonight to see if there are any codes on my transcript explaining the delay. And if I can't access my transcript online, maybe I'll look into one of those calling services people mentioned. It's frustrating because Chime is usually super fast with deposits, but we're all stuck waiting due to IRS processing issues. Thanks for posting this - it really helps to know we're not alone in dealing with this mess! Hopefully we all get our money soon. The waiting game is exhausting when you need that refund.